Insurance Memorandum

/Insurance Memorandum
Insurance Memorandum2021-10-07T13:57:22+00:00

The Club participates in the IRFU “Compulsory Group Personal Accident Scheme for Clubs 2018/19 .

The IRFU believes the benefit provided by this scheme is substantially greater than that provided by other Unions or sports bodies but

All individuals involved in Trinity Rugby should be aware

IT STILL REMAINS THE INDIVIDUAL PLAYER’S RESPONSIBILITY TO ENSURE HE/SHE HAS ADEQUATE INSURANCE COVER

The Compulsory Scheme is intended to cover:

  • serious injury only and whilst the “Severe Injury” benefit at €1.5m may appear substantial, it will not necessarily be sufficient to cover fatal collapse unless a physical accident precedes same.

The Compulsory Scheme does not:

  • provide payment of medical expenses or loss of earnings, nor does it cover fatal collapse unless a physical accident precedes same.

Separate optional insurance covers are available for all these benefits via Schemes organised by the IRFU’s insurance broker Aon.

THE IRFU STRONGLY RECOMMENDS THAT INDIVIDUAL PLAYERS AVAIL OF THESE

D.U.F.C. STRONGLY RECOMMENDS ALL PLAYERS AND PARENTS READ  https://www.irishrugby.ie/running-your-club/insurance/

Enquiries relating to additional top-up cover for individuals should be made directly to:

Aon

Metropolitan Buildings

James Joyce Street

Dublin 1

Tele: 2666 400

“PATHWAY OF CARE”

The Dept of Sport, TCD Dept of Orthopaedics & Sports Medicine and TCD Student Health Unit have put in place a pilot programme for an insured “Pathway of Care” for treatment of sports injuries arising in training or the playing of matches – see  http://www.medicine.tcd.ie/orthopaedics/sport-med-prog

The benefit for players will be insured and easily accessible sports medicine services that are responsive to the needs of the players. Access to specialized sports medicine services and surgical intervention where required will be provided at Sports Surgery Clinic, Santry (but players will retain freedom to choose alternative sources of treatment via the scheme). The access procedure is set out in Appendix 1.

This insurance will provide a maximum of €5000 towards the incurrence of medical expenses

in respect of an injury that is managed as part of the pathway. Costs outside the €5000 cover must be funded by the player. An excess of €100 will apply to each claim. Other than for major surgery (where the Insurance company may work on a direct settlement basis) payment to the service provider is made directly by the student and re-imbursement is then made to the student from ACE insurance.

This cover is only available to TCD students and in respect of Club activity.

Where a student has his/her own Private Health Insurance the student will be required to claim through his/her own insurance provider. (Insurance cover for Accident Medical Expenses is on the basis that these expenses are not recoverable from any other source).

Further details can be obtained from Kay Bowen at [email protected]  or [email protected]

Appendix 1